OnPoint lending
Mortgages from OnPoint Community Credit Union
Home purchase and refinance mortgage options with published fixed and ARM examples, including 30-year fixed, 15-year fixed, and 5/5 ARM illustrations.
Who it’s for
Members buying or refinancing a home who want published rate examples and local mortgage guidance (by appointment where offered).
Benefits
- Published fixed-rate and ARM illustrations
- Local Mortgage Loan Officer meetings available by appointment at many branches
- NCUA-insured credit union relationship alongside mortgage lending
- Transparent disclosure that published rates are illustrative and not a commitment to lend
Key features
- 30-Year Fixed Mortgage: published 6.875% rate / 6.985% APR example
- 15-Year Fixed Mortgage: published 6.375% rate / 6.528% APR example
- 5/5 ARM: published 6.875% rate / 7.208% APR example; adjustment caps apply
- Credit and property qualification required
Eligibility & requirements
Membership, credit, and property qualification required. Mortgage eligibility and credit qualification apply
Fees
See current fee disclosures for this product
OnPoint banking with this product
Mortgages is part of OnPoint Community Credit Union (also searched as OnPoint Credit Union, OnPointCU, and OnPoint banking). Manage accounts through OnPoint login, confirm direct deposit with routing 323075880, and review current rates.
Mortgages FAQs
Who offers Mortgages at OnPoint?
Mortgages is offered by OnPoint Community Credit Union (OnPointCU / OnPoint Credit Union) for eligible members in Oregon and Southwest Washington.
How do I bank digitally with OnPoint?
Use the OnPoint login hub at /login/ for OnPointCU login and Online Banking. Enrollment help is on this site.
Are OnPoint deposits NCUA-insured?
Yes. Shares are federally insured to at least $250,000 by the NCUA (charter 62745).